BrokeRisk models your exposures across cyber, liability, property and people, then takes that evidence to the carriers on our panel. You see the analysis, the quotes, and the reasoning behind both.
Typical assessment turnaround: 5 working days
Kestrel Logistics, 140 staff, Jebel Ali
A selection of the carriers we place business with
Every line below starts with an exposure model. We do not quote a programme we have not measured.
Ransomware, business interruption and data liability, modelled against your actual attack surface rather than your headcount. We put a figure on the loss scenarios before we price the cover, so you can see which ones are worth transferring and which are cheaper to fix.
Buildings, plant, stock and business interruption, with reinstatement values checked against current build costs rather than last year's schedule.
Public, product and professional indemnity, sized to the contracts you actually sign rather than to a standard limit.
Group medical, life and income protection, benchmarked against what comparable employers in your sector actually provide.
Marine cargo, trade credit, political risk and the exposures the standard market declines to quote.
The whole programme under one renewal calendar and one adviser, with a consolidated view of every policy you hold and where the gaps between them sit. Most clients start here and add specialty lines once the model shows where the exposure actually is.
Four stages. The first two happen before anyone mentions a premium.
We map exposures across your operations, contracts, assets and headcount. Two workshops and one data request, nothing heavier.
We model loss scenarios and put a number on each exposure, so you can see which risks are worth transferring and which are cheaper to retain.
We take the analysis to the carriers on our panel and bring back terms you can compare line by line, not just a premium to accept.
We place the programme, hold the renewal calendar, and argue your corner with the carrier when a claim is made.
Usually after a renewal where nobody could explain what changed, or why.
40+
Every recommendation traces back to a number you can check. Nothing arrives without the working behind it attached.
23
We hold agencies with regional and international markets, so your programme is not limited to whichever underwriter replied first.
1:18
The person who models your risk is the person who renews it and the person who picks up the phone. No account handover.
94%
When a carrier disputes a claim we argue it on your behalf, using the exposure evidence we built at placement.
We take on work outside this list, but these are the sectors where we already hold loss data and carrier appetite.
Collected from companies who have been through a full assessment and at least one renewal with us.
They found a gap in our cyber wording that our previous broker had renewed three years running. Rewriting it cost us nothing. Leaving it would have cost us everything.
The risk model was the first time our board saw our exposures as numbers instead of adjectives. It changed what we chose to insure and what we chose to fix.
Renewal used to be a week of chasing quotes. Now we get one comparison document and a recommendation with the reasoning attached. The onboarding took longer than they estimated, but the result was worth it.
We had a business interruption claim in month four. Their adviser handled the carrier directly and we were paid inside three weeks, on a claim our old broker told us would be contested.
AED 1.2B
Premium placed for clients since 2016
480
Businesses currently on our books
23
Carriers on our panel
11d
Average claim settlement turnaround
If yours is not here, put it in the form below and we will answer it before we propose anything.
Two workshops with your operations and finance leads, one data request covering claims history, contracts, asset schedules and headcount, and about five working days of modelling. You get an exposure report with a figure against each risk, whether or not you go on to place cover through us.
Either, and you choose which before we start. Commission from the carrier is the default and costs you nothing directly. Some clients prefer a flat fee with commission rebated, because it removes any question about whose interest we are serving. We disclose the actual figure under both models.
A letter of appointment and a copy of your current schedule. Your policies stay exactly as they are until their renewal dates, so nothing lapses and nothing needs rewriting mid-term. Most clients run the assessment first and switch at the next renewal, once they can see the difference on paper.
As many as have appetite for your risk, usually between four and nine on a commercial programme. You see every response we get, including the declines and the reasons given, because a decline tells you something useful about how the market reads your exposure.
You call your adviser, not a claims line. They notify the carrier, assemble the evidence, and handle the correspondence. If the carrier disputes liability or valuation we argue it using the exposure work from placement, which is usually more detailed than anything the carrier holds.
Our smallest client has nine staff and our largest has just over two thousand. The modelling work scales down cleanly. Below roughly AED 40,000 of annual premium the full assessment is usually more process than the decision warrants, and we will tell you that rather than sell it to you.
Tell us what your business does and what worries you about it. We will come back with a scope for the assessment, a date, and what it would cost.